I find all anti-viruses to be absolutely worthless, because no matter what they are, they never completely protect your system.
That's like saying house doors are useless because a determined criminal might get through anyways.
Jonnan001's metaphor works as well
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Nothing's 100%, not even a router. That's why security experts generally recommend several layers of security. Putting all of your eggs into one type of security solution is generally not a good idea.
I personally have antivirus, a hardware router, a software firewall, DEP, and even UAC active on my system. Each protects against certain classes of attacks, and together they provide a pretty good security solution. In case of failure, I have backups and am moving towards having offsite backups as well.
The best way to protect yourself is to use common practices.
And the best common practice is to use multiple layers of security
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It doesn't have to be wireless, but the cheapest router has a firewall built in that is more powerful than the most expensive software firewall.
They're both good in different ways. A router does a good job at filtering a lot of internet "junk" so your computer doesn't have to waste a lot of its own resources cleaning the junk. A software firewall can tell which connections are connected to which applications and can detect when a new (possibly rogue) application is trying to send packets.
Worse comes to worse, writing zero's to the HDD and reinstall your OS always works too
I actually use my computer for real work and store actual information of value on my system. I'd have to restore it from a backup as well. In addition, reinstalling the OS takes time, and I'd rather not get infected in the first place.
Everyone I have ever seen who was infected from the OUTSIDE was NOT running a hardware firewall.
You mean you've never encountered a person who got a virus in an email?
These days they're bypassing hardware firewalls by hitching a ride onto something that is normally let through the firewall, such as web pages and emails.